Medical InsuranceFull-time employees are given the option to choose between an Aetna PPO, an Aetna health savings account (HSA), an Aetna HMO or a Kaiser HMO medical plan. Crossroads currently pays 100% for the premium of the HSA and both HMO plans. There is a monthly cost to the employee for the Aetna PPO plan. Crossroads also contributes to the cost of premiums for spouse/partner and dependent coverage.

Dental InsuranceCrossroads offers a PPO plan through Assurant at no cost to the employee. Crossroads contributes toward the premium for plans that have spouse/partner and dependent coverage.

Vision Insurance

Crossroads pays 100% for an employee vision care plan through VSP. Crossroads contributes toward the premium for plans that have spouse/partner and dependent coverage.

Retirement Savings Plan

Crossroads offers pre-tax and Roth retirement plans through TIAA-CREF. Employees can participate in a traditional or a ROTH IRA retirement savings plan.

Crossroads will make contributions to the plan for new employees based upon the number of years of full time employment at a non-profit accredited educational institution to the Group Retirement Annuity. With no previous work experience at an educational institution, the contribution will match up to 1% of salary in years one and two, and then contribute 1% of salary without a match for the third year of service. For every year after 3 years of full-time service, the Crossroads contribution will increase by 1% per year, until it reaches a maximum of 8% in year 10.

Life Insurance

Through Anthem Blue Cross, Crossroads pays the full premium for a Basic Life & AD&D life insurance policy, equal to the employee’s salary for up to a maximum of $50,000. Supplemental Life insurance is also available for purchase at a reduced group rate.

Disability Income Protection

Short-term: At no cost to the employee Crossroads offers FT employees short-term disability for one week of supplemental pay for each year of fulltime employment, up to a maximum of 8 weeks. This is offered only once per disabling condition and once per fiscal year and requires application to state disability insurance.

Long Term: After 90 days of disability or exhaustion of sick leave/short term disability, the employee is offered 60% of their income up to a maximum of $10,000 per month, as long as they remain disabled, up to age 65.

Employee Assistance Program (EAP)

Bensinger, DuPont & Associates offers MA level counselors 24/7 to provide confidential assistance with personal or work related concerns. This is offered to all employees and their family members, regardless of enrollment status at no cost.

Vacation

Non-teaching full time employees are eligible for vacation accrual and benefits. Accrual rates are explained in the employee handbook.